Home Insurance Singapore - Flexible Coverage | TIQ.com.sg

We have the answers you need

  1. What is Tiq Home Insurance?

It is a home insurance with customizable protection level for homeowners, landlords and official tenants across HDB, Condominium and Landed Property in Singapore. Multi-year plans from 1, 3 and 5 years are available.

  1. Where can I get a quote or buy Tiq Home insurance?

You can get a quote and purchase directly from us online. If you have any questions, feel free to call our Customer Care hotline at 6887 8777.

  1. Who should buy Tiq Home insurance?

It is recommended for homeowners or tenants of HDB, Condominium or Landed property, legal age of 18 years and above, who want to protect building, renovation and home contents.

  1. What information do I need to provide to get a quote?
Please share the following information:
  • Your residence status (homeowner, landlord or tenant)
  • Your residence type (HDB, Condo, Landed)
  • Number of bedrooms
  1. When will my Tiq Home Insurance coverage commence?

Upon successful application, the cover takes effect immediately from the date of the coverage reflected on your policy schedule. There is no waiting period.

  1. How will I know if my online purchase is successful?

When you complete the purchase, you will get a confirmation message on your screen. At the same time, you will receive confirmation via SMS and email. If you do not receive an SMS or email from us within one hour, please call us at 6887 8777.

  1. What documents will I receive after purchasing Tiq Home Insurance successfully?
You will receive the following documents via email:
  • Official receipt;
  • Schedule; and
  • Policy Wording.
  1. Is there a ‘free look’ period for this policy?

You have fourteen (14) days from the date you receive the policy to exercise the free look, but we hope you will stay with us. Premiums paid will be fully refunded, if a claim has not been made under the policy.

  1. Can I get a refund if I cancel my plans after the ‘free look’ period?

If no claim has been made, you can get a pro-rated refund for the balance period of the coverage. However, if a claim had been made, no refund can be given.

  1. Can I pay the home insurance premium by instalments?

Tiq Home Insurance premium is payable as a lump sum basis depending on your selected term of coverage. We do not offer instalment payment plans for Tiq Home insurance.

  1. Do I need to inform Etiqa if I shift residential premise?

Yes, we need to be informed. Please log in to TiqConnect to access the policy to submit a ‘Change the Policy’ request or email us at customer.service@etiqa.com.sg. This will enable us to protect you adequately because any address change may affect the level of cover you have, which in turn may affect your premium.

  1. I entered my details wrongly. What should I do?

Please log in to TiqConnect to update your details or email customer.service@etiqa.com.sg immediately, as any wrong information may affect claim payment.

  1. Do I still need to buy Tiq Home insurance if I already have basic fire insurance from HDB or from another insurer?

Home contents and renovations are usually not covered by a basic fire insurance plan. To ensure comprehensive coverage, a home contents and renovation insurance such as Tiq Home Insurance would be ideal to complement the basic home insurance you may currently have.

  1. Do I need to buy building cover if I live in a condominium and the management corporation has a fire insurance policy in place?

It is advisable to check the coverage and inclusion of the management corporation’s fire insurance. Generally, this only extends to the building structure and the common areas, and may not include the inner shell of your home.

  1. I live overseas but own a property in Singapore. Can I buy Tiq Home Insurance?

Yes, as long as you are a Singapore citizen, Permanent Resident of Singapore or foreigner with a valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass, who is a homeowner, landlord or tenant for a Singapore residential property.

  1. If I sell off my property, how do I cancel my policy?

You may write in to us at customer.service@etiqa.com.sg or via TiqConnect.

  1. Am I able to auto-renew my policy via GIRO?

Yes, you may do so for 1,3 and 5 year plans via this form.

    1. What is covered under Tiq Home Insurance?
Building* $19,300 - $98,200 $300,000 - $2,000,000 Not available
Renovation* $20,000 - $180,000 $100,000 - $1,000,000 Not available
Contents* $15,000 - $120,000 $50,000 - $150,000 $15,000 - $120,000
Emergency Cash Allowance $5,000 $500
Emergency Home Assistance (applicable for plans of 3 years or more) $200 and up to 4 times per year $200 and up to 4 times per year
Personal Legal Liability (Worldwide) $500,000 $1,000,000 $500,000
Valuables 30% of Content Sum Insured 30% of Content Sum Insured
Removal of Debris 10% of Renovation Sum Insured Not Available
Professional Fees (New) 10% of Building and/or Renovations Sum Insured Not Available
Conservancy Charge $500 Not Available
Unauthorised transactions on your stolen ATM or credit card $1,000 $1,000
Accidental Breakage of Mirrors and Fixed Glass (New) $1,000 Not Available
Money (New) $750 Not Available
Multi-appliances Home Protector $700 and up to 2 times per year Not Available
Accidental Injury for Pet due to Insured Peril $500, with excess of $80 Not Available
Family Accidental Death Protection $50,000 Not Available
  1. What is covered under Building?

Building shall mean fixtures and fittings attached to the building (not including the foundations) and all other domestic improvements of a structural nature at the Premise and for which you are legally responsible.

  1. What is covered under Renovation?

Improvements and additions to your home in the form of fixtures and fittings. These can include flooring, built-in wardrobes, kitchen cabinets, installed lighting, mirrors, fixed glass and more.

  1. What is covered under Home Contents?
Home contents mean all movable household items and personal effects belonging to you and your household but excluding:
  • Any part of the Building
  • Items belonging to the landlord (if any)
  • Landlord’s fixtures and fittings (if any)
  • Livestock and pets
  • Securities, certificates, documents of any kind, stamps and computer systems records
  • Property held or used in connection with your business
  • Please refer to policy wording for full list of exclusions
  1. What are the circumstances are my Building, Renovation and Contents will be covered?
You are covered for the following Insured Events/Perils:
  • Fire, Lightning, Thunderbolt, Domestic Explosion;
  • Being hit by a third party object;
  • Theft or attempted theft accompanied by forcible entry;
  • Bursting or overflowing of domestic water tanks or pipes in Your Home;
  • Any natural disaster;
  • Riot, strike or malicious act by others
  • Please refer to page 3 of our policy wording for full list of insured events
  1. Does Tiq Home Insurance cover damage as a result of water seepage or leakage?

Tiq Home Insurance will cover the damage if the root cause is due to the following: Bursting or overflowing of domestic water tanks, apparatus or pipes from within the property insured or containing property insured but excluding damage thereto and loss or damage occurring whilst Your Home is left unoccupied for more than sixty (60) days.

  1. Does Tiq Home Insurance cover popping of floor or bathroom tiles?

As this is not part of the list of Insured Events listed in the policy wording, it is not covered under Tiq Home Insurance.

  1. Can I choose the amount of cover to the amount I want?

Yes, you can choose the amount of coverage you want for building, home contents, and renovation. There are also add-on options to suit your preferences.

  1. How do I get the Emergency Cash Allowance?

Contact us at 9695 1338 or 8218 8521 in the event your home is uninhabitable due to an insured peril. This hotline is available 24 hours, 7 days a week including weekends and public holidays. A loss adjuster will be engaged to your location and approval will be within 24 hours of your notification to us. Emergency Cash Allowance payment will be credited to your Etiqa TiqConnect e-wallet which you can encash out via PayNow. Should the occurrence happen during the weekend or a Public Holiday, payment will be made on the next business day.

  1. What can I use the Emergency Cash Allowance for?

There is no restriction on what you can use the Emergency Cash Allowance for. Once your house is deemed uninhabitable due to an insured peril, you may use it to arrange for alternative accommodation, transportation, food, clothes, etc… No further questions asked.

  1. What is Emergency Home Assistance (EHA) service solution?

It is a complimentary benefit offered with purchase of 3 to 5-year Tiq Home insurance. A one-stop end-to-end service that is offered 24/7 to assist in major emergency repairs – plumbing, electricity, locksmith and pest control issues. You get covered up to $200 per event and up to 4 events per year.

  1. What does Emergency Home Assistance (EHA) cover?
Service What's covered What's not covered
Locksmith Assistance If you are locked out of your home or you have a broken key stuck in the lock, you can contact our 24 hour EHA hotline to arrange for a locksmith to assist you at your home. This service is not applicable if you are locked out of the bedroom in your home
Plumbing Assistance If your home has a clogged water supply or drainage system, or there is a leak in the water pipe(s), you can contact our 24 hour EHA hotline to arrange for a competent plumber to attend to and repair the problem.
  1. a leaking water tap which requires refurbishing, or
  2. leaking water heater/shower head, or
  3. water leaking from your celling(s) (exclusive of landed property) concealed water pipe(s)
Electrical Assistance In the event of a blackout due to lightning and circuit overload in your home or power supply circuit malfunction, you can contact our 24 hour EHA hotline to arrange for a competent electrician to attend to and repair the problem. Failure or malfunction of electrical appliances like televisions, refrigerators, rice cookers, ovens, water heaters, etc.
Pest Control Services If your home is infested with pests such as bees, wasps, hornets, rodents and termites, you can contact our 24 hour EHA hotline to arrange for a pest control service to remedy the situation. Services made within the first three (3) months from the inception date of cover and the service does not cover recurring terminate infestation
  1. What should I do to use the Emergency Home Assistance (EHA)?
If you experience any of the 4 emergencies stated above, call our 24 hour hotline 6702 2662 and our customer service officer will walk you through your situation. He will arrange for the appropriate tradesman to attend to your home. For repairs under $200, we will pay directly to the tradesman so there is no need for you to make any claims. Should the repair cost more than $200, you will be informed upfront before the tradesman attends to your home. Watch this video to see how it works.  
  1. What happens if a fire in my home damaged my neighbour’s home contents and injured my neighbours?

You are covered for personal legal liability and we will help you to compensate your neighbour for accidental death, loss or damage of property, legal cost and expenses up to the policy limits.  

  1. I am a tenant of the residence. Am I covered if I damaged my landlord’s property?

Yes, you are covered for the legal liability you suffer as a tenant for landlord’s buildings, renovation and contents.

  1. I have expensive jewellery, artworks, and watches, are these items covered in full?

We only cover up to a maximum of $1,000 per item (excess of $100), and up to S$200 for works of art, paintings, antiques, etc, subject to the limits of the plan.

  1. What happens if my building or contents are underinsured?
Cover Share that you are responsible for in the event of a claim
Building $300,000 (Amount you are under-insured by)
$500,000 (Full reinstatement cost as at date of loss)
$300,000/$500,000 = 60%
Renovations $100,000 (Amount you are under-insured by)
$200,000 (Full reinstatement cost as at date of loss)
$100,000/$200,000 = 50%
Contents $40,000 (Amount you are under-insured by)
$50,000 (Full replacement cost as at date of loss)
$40,000/$50,000 = 80%
If there is a damage of $100,000 to your building, $50,000 to your renovations and $10,000 to your contents, you will be responsible to pay for $60,000 (60% of the damage on building), $25,000 (50% of damage on renovations) and $8,000 (80% of the damage on contents).
  1. What documents do I need to make a claim?
Depending on the claim you wish to submit:
  • Receipts showing the date, price and place of purchase of the articles/property
  • Coloured photos showing the damaged property &/or CCTV footage showing circumstances of incident Post Mortem Report - if applicable Technical report from repairer on the cause and extent of the damaged property
  • At least 3 quotations for repair / replacement of the lost or damaged property
  • Police Report - For Theft and Burglary
  • All correspondences exchanged between you and the negligent third party


  1. How do I file for a claim?
If you have an Etiqa TiqConnect account, please log onto TiqConnect to submit your claims. Otherwise, you may register for an account on our corporate website. Access can be created immediately. You may also contact our Customer Care hotline at 6887 8777.
  1. Who is eligible for this Group Buy?
    This Group Buy is currently only open to residents of Fengshan Greenville and Ghim Moh Edge estate. However, we are happy to invite more estates (BTO, ECs, Condos, etc) to participate in the group buy. Kindly let us know by completing the above form and we will get back to you.
  1. How does this Group Buy work?
    All you have to do is to purchase Tiq Home Insurance and apply the promotion code ‘TIQHOMEGB’ upon checkout to receive an additional 5% discount. After you have made the payment, you will be automatically enrolled under your respective Group Buy residents’ pool. You will be able to see the number of residents who have bought the Tiq Home Insurance under the “Check Your Progress” section and the corresponding rewards unlocked on the Group Buy website.
  1. How does the reward levels work?
    The rewards are unlocked based on the number of active Tiq Home Insurance policies purchased by the residents of the participating estates. On a cumulative basis, if 50 residents from the participating estate make purchases, Level 1 reward is unlocked. Level 2 and Level 3 rewards will be unlocked if the total purchase from the same estate reaches 100 and 150 respectively. Residents will receive their rewards based on the highest level reward unlocked by their respective estate after the promotion period.Example of the rewards given is illustrated as follows:
    No. of Residents at end of promotion Rewards
    45 No additional rewards given
    52 All 52 residents receive Level 1 reward
    149 All 149 residents receive Level 2 reward
    200 All 200 residents receive Level 3 reward
  1. How long is the Group Buy promotion period?
    The Group Buy promotion period varies for all estates. Please refer to the “Check Your Progress” section for the promotion period.
  1. When will I receive the reward?
    After the promotion period, residents will receive a redemption email after the 14-days free look period to ensure that there are no cancellations of the policy, which may affect the reward level tier.
  1. Can I still join the Group Buy when the promotion period is over?
    No, any purchases made after the promotion period will not qualify as part of the group buy, even if you are from the participating estate.
  1. Do all interested residents have to purchase concurrently in one transaction to qualify for the group buy?
    No, residents can buy Tiq home Insurance separately, at any time during the promotion period and they are not required to transact in one transaction to qualify for this promotion. We will enrol you into the Group Buy pool as long as you reside in the participating estate.
  1. Still could not find the answer to your question?
    You may wish to call our Customer Care hotline at 6887 8777 or email us at customer.service@etiqa.com.sg
  1. This Group Buy promotion (“Promotion”) is open to all residents who reside in the participating estate only.
  1. The period of this Promotion varies for all participating estates. Please refer to the “Check Your Progress” section for the promotion period.
  1. This Promotion is not valid in conjunction with any ongoing or existing insurance promotions, coupons, staff discounts and privileges, unless otherwise stated.
  1. All successful purchases of during the promotion period that are part of the participating estates will be automatically included into the Group Buy pool.
  1. Where the total policy count reaches at least the Level 1 reward level upon the end of promotion period, customers in the Group Buy will be contacted by Etiqa Insurance Pte. Ltd. (“Etiqa”) via email to on the gift redemption details.
  1. Customers will receive an IKEA Gift Card, where the gift value of S$20, S$38 or S$50 will be determined by the corresponding quantity of successful purchases in the Group Buy during the promotion period.
  1. This Promotion is not valid for customers who have cancelled or free-look existing home content insurance policy/policies with Etiqa within the last 14 days.
  1. Etiqa reserves the right to change promotion mechanics and terms and conditions at any point in time without prior notice. The gift value will be tied to the prevailing promotion at point of application.
  1. Etiqa has the final and binding decision pertaining to any dispute on selection of customers. Any appeals made will not be entertained.
  1. All gifts are not transferable, exchangeable for cash or kind or extendable in validity. Etiqa reserves the right to substitute the gifts with other gifts of equivalent value without prior notice.
  • Additional discount will be applied on top of any prevailing discount
    • ePROTECT maid‘s has an existing discount of 30%. Hence the additional 5% discount will be applied after 30% discount.
    • Tiq Home Insurance has an existing discount of 15%. Hence the additional 5% discount will be applied after 15% discount.
    • Tiq Travel‘s single-trip non Pre-Ex plans have an existing discount of 45%. Hence the additional 5% discount will be applied after 45% discount.
    • Tiq Travel‘s single-trip Pre-Ex plans have an existing discount of 15%. Hence the additional 5% discount will be applied after 15% discount.
    • Tiq Travel‘s multi-city annual plan has an existing discount of 35%. Hence the additional 5% discount will be applied after 35% discount.
  • Coupon code will be valid for Fridays in April 2019 unless otherwise stated.
  • This promotion is only valid for the above mentioned Tiq’s General Insurance products when purchased through our online platform.
  • Tiq reserves the right to change promotional mechanics.
  • This promotion is not valid in conjunction with any ongoing or existing insurance promotions, coupons, staff discounts and privileges unless otherwise stated.
  • This promotion is not valid for customers who have cancelled or free-look existing policy/policies within the last 14 days.